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E-banking is an inevitable trend of the banking industry in the future. E-banking benefits not only banks but also customers, so the study of models of adoption and usage of E-banking is essential. | 116 | Nguyễn Duy Thanh & Cao Hào Thi | 116 - 135 Structural Model for Adoption and Usage of E-Banking in Vietnam NGUYỄN DUY THANH HCMC University of Technology - thanh.nguyen@gmail.com CAO HÀO THI HCMC University of Technology - chthi@sim.hcmut.edu.vn ARTICLE INFO ABSTRACT Article history: Received: Sep. 20, 2013 Received in revised form Dec. 26, 2013 Accepted: March 31, 2014 E-banking is an inevitable trend of the banking industry in the future. E-banking benefits not only banks but also customers, so the study of models of adoption and usage of E-banking is essential. Nguyễn & Cao (2011) propose the adoption and usage of E-banking model in Vietnam - E-BAM (E-Banking Adoption Model), and their findings showed that eight following factors - performance expectancy, compatibility, perceived ease of use, perceived behavioral control, subjective norm, perceived risk in transaction, bank image, and macro impact of law - affect the E-banking adoption and E-banking adoption affects E-banking usage. However, according to some relevant theoretical models, this model does not show relationships among independent variables and the effects of independent variables on the E-banking usage. In this paper, authors re-propose a new model of EBAM to overcome the limitations of the 2011 research, the relationships in the model were analyzed by linear structural model SEM (Structural Equation Modeling). Factors including perceived behavioral control, compatibility, performance expectancy, bank image and perceived risk in transaction are mutually influenced and affect the E-banking adoption intention; while perceived ease of use and E-banking adoption affect the E-banking usage. Keywords: adoption, E-banking, Structural Equation Modeling (SEM). JED No.220 April 2014| 117 1. INTRODUCTION a. E-banking: Several main channels for E-banking studied by Daniel (1999); and Karjaluoto et al. (2003) are presented in Table 1. In addition, there are other channels for E-banking such as .
